scaffolding insurance

 

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Making sure you have the right insurance policies for your scaffolding business is critical. There’s a few main exposures in the scaffolding industry ranging from injury to other contractors to theft of tools. So keeping your insurance up to date is crucial. For that reason we have included additional information regarding Scaffolding Insurance below.

As insurance brokers, we analyse your needs as a client, and compare policies through our network of insurers and underwriters.

Likewise, we understand that finding an insurance policy that suits you isn’t easy. Naturally, as a client, you want a
policy that suits your requirements and budget.

If you’re in the scaffolding industry and would like a quote, call our office today on 1300 859 381.

 

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What you need to know about Scaffolding Insurance

When it comes to the scaffolding industry, the main exposures of risk are workers compensation, and public liability. The risks of tools and equipment falling from an elevated work platform remains one of the highest claimed incidences. So making sure you have the necessary scaffolding insurance is essential to your businesses longevity.

If you’re erecting scaffolding on high rise structures, make sure you’ve got the right coverage at the right price. If you’re manufacturing scaffolding products, ensuring you have products liability insurance for your goods will ensure you’re covered in case a product may fail or not work as intended.

Granted, Scaffolding can be dangerous whether you’re working on high rise structures, low rise structures, or residential houses. Defective installation work can have extreme consequences no matter the job. By ensuring you and your scaffolder employees and contractors all employ the appropriate safety precautions (fall protection harnesses, ropes and helmets etc.), you’ll certainly limit any unwanted situations. For more information regarding Safe Working Environments, click here to go to Safe Work Australia.

How We Can Help Scaffolding Contractors

We cover Australian tradies for just about every scaffolding job. Scaffolding Insurance can be confusing and complicated, so we take care of the hard stuff so you can focus on what you do best. To summarise, there are two types of Property Damage packages we would typically encourage Scaffolders to take out. Firstly, for smaller scaffolding companies we advise a standard property damage pack. Regularly, for smaller companies you would be operating out of a small office space, and conducting work on site. Because of this, there is not a large risk of damage caused to your property. Otherwise, we advise a Specialist Contract Works Policy. In short, this may be required in relation to construction or infrastructure and other projects.

Insurance we offer to Scaffolders: Property damage, business interruption, theft, goods in transit, equipment breakdown, commercial motor, public liability, products liability, professional indemnity, management liability. As well as employer liability / workers compensation, cyber risks and so on. Contact our friendly team on 1300 859 381 for a quote today.

We can offer a variety of different policies to Scaffolders:

– $5 Million Public Liability Insurance

– $10 Million Public Liability Insurance

– $20 Million Public Liability Insurance

We can offer higher limits if requested.

– Insuring work in the CBD, or inner-city if requested.

– Coverage for up to 20 metres high, we can offer higher limits if requested.

– Insurance for Scaffolders working in Residential, Commercial, and Industrial situations, if requested.

Our team have years of experience helping Australian Scaffolders find the right insurance policy to suit their needs. Granted, we understand that every scaffolding company is different, and each operate their business in different ways. Given that, as brokers we will need to collect certain business details from you in order to provide you with a quote.

What you need to know about Claims

We will often engage in negotiation with insurers on your behalf when handling your claims. Because as your broker, our job is not only to handle your claims, but also to negotiate claims with insurers on your behalf, to ensure that you get a fair outcome.

However, please ensure that all of the information you provide to us while handling your claim is true and correct, as inconsistencies in claims details can severely lengthen the claims process.

What you need to do when you may have a potential Claim

In any case, when a claim occurs, the first thing you should do is get in contact with us as soon as feasibly possible. You can reach our team via email at office@fortuneinsurancebrokers.com or alternatively you can call our team from Monday to Friday during business hours on 1300 859 381.

It is important also to review your policy’s Product Disclosure Statement (commonly referred to as a PDS) which will be attached to your policy documents. As brokers, we understand that these documents can often be ignored. However in the event of a claim, it is critical to review these documents to ensure that you follow the instructions from your insurer, the minimise chances of miscommunication or error in the event of a potential claim.